Today's the Day!!!

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Shining

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Post by Shining » Fri Feb 26, 2010 12:22 pm
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enjoy the feeling and celebrate tonight albeit frugally x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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debtfree-wannabee

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Post by debtfree-wannabee » Fri Feb 26, 2010 1:18 pm
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Thats fantastic news - enjoy the weekend!!
When I was younger I did what I knew - now I know better I do better!

Kath x
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debt attack

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Post by debt attack » Fri Feb 26, 2010 2:30 pm
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Hey Mum-of-Three

That is absolutely fab-tastic news...bet you're jumping for joy....go on sit and eat more chocolate in your super-duper clean house and relax at the thought that you are now on the path to financial freedom.

Whats your IVA details?

How many creditors, what do you owe in total and what p in the £ are you paying back?

Just being nosey and trying to find out what/how many peoples situation sounds similar to mine!!!

Again, lots of congrats!! x
Check out my blog;

http://debtattack.blogs.iva.co.uk

IVA Approved 4th March 2010
IVA Completed 4th March 2016
My Journey and aim is to get a tip-top credit score!! :D
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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Fri Feb 26, 2010 2:42 pm
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Congratulations and well done.
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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mumofthree

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Post by mumofthree » Fri Feb 26, 2010 2:53 pm
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thanks everyone! Im so relieved its unreal!!
and debt attack you're not being nosey at all:)
I owe £19100, there is 12 creditors (catalogues, visas, overdraft, storecards, loan). I will be paying back £150pcm and it is 45p in the £. I will be paying back to the creditors £9000 and just over £4000 to IP.
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Michael Peoples

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Post by Michael Peoples » Fri Feb 26, 2010 3:48 pm
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I am bit confused. On the figures you quote the dividend would be about 25p in the £ as less than £5k goes to creditors of £19100. To achieve 45p in the £ would require additional payments of nearly £4k. Where is this money coming from?
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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mumofthree

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Post by mumofthree » Fri Feb 26, 2010 4:20 pm
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Well all it says in the proposal is obviously the £9000 from the £150pcm for 5 years and then the remaining £4100 to be released from equity in month 54. Although we should be in a situation (from parents) in year 3 to offer a F&F.
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Michael Peoples

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Post by Michael Peoples » Fri Feb 26, 2010 4:45 pm
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Thanks. That explains it and you can look forward to a debt free future.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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kallis3

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Post by kallis3 » Fri Feb 26, 2010 4:50 pm
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Excellent news, so very pleased for you.

Keep posting and let us know how your IVA is going.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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kallis3

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Post by kallis3 » Fri Feb 26, 2010 4:52 pm
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Excellent news, so very pleased for you.

Keep posting and let us know how your IVA is going.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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mumofthree

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Post by mumofthree » Fri Feb 26, 2010 4:53 pm
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Thanks Michael and kallis3. And I will definitely keep posting. No doubt I will have lots of questions that keep arising (i'm a born worrier). A little drink is called for tonight :) x
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kallis3

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Post by kallis3 » Fri Feb 26, 2010 5:21 pm
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A big drink I would have thought!

I have just raised my cup of coffee to you!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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